Home Affordability by Income
What can you afford on a $210,000 salary?
A baseline estimate for a household earning $210,000 a year gross, assuming typical monthly debts and expenses, a $40,000 down payment, a 740-759 credit score, and Texas's property tax and insurance rates as a default reference point. Every one of these assumptions is editable — the full calculator below opens pre-filled with these exact numbers.
Comfortable
$545,462
Stretch
$637,644
Risky ceiling
$692,953
This baseline's own budget can sustain at least as much as a lender's debt-to-income ceiling allows — the DTI ratio, not the household budget, is what limits the number here.
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